ES Standard PRSA funds

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matrix1

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Hi,

I see that the Eagle Star default investment strategy is based on their Dynamic fund in the early years. I am considering choosing a mixture of their funds - some percentages of "higher" risk 100% equity 5*5 funds (e.g., Global, Asia Pacific, Europe) and "high" risk 75-100% equity Dynamic. Would you consider that I am gaining diversity by doing this or is there sufficient overlap that this doesn't make sense over the life of a pension? Past performance is no guide... etc.
 
Be aware that there is a reasonable amount of duplication on share holdings between Eagle Star's various equity funds, e.g. the 5*5 Global fund contains shares that are also featured in each of the sectoral 5*5 funds. The Dynamic Fund also contains some shares that are also common to some of the 5*5 funds and so on.

Liam D. Ferguson
www.ferga.com
 
Hmm, as I thought. That certainly makes it harder to justify not going with their DIS (Dynamic fund only).
 
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